When marriages and civil partnerships falter, over and above the emotional trauma, it is of paramount importance to agree a fair split of assets.  In many cases pensions and property are the most valuable asset that individuals within the couple may own and obtaining the correct advice is therefore essential. We strongly believe that your first step, even before you engage with a divorce lawyer, should be to contact a financial adviser so that you can benefit from jargon free financial advice, fully understand the implications of any financial decision making, along with understanding the process and timescales.

About Us

• Knowledge: Our team comprises qualified and experienced Independent Financial Advisers, Pension Specialist and Mortgage Brokers. We are directly authorised by the Financial Conduct Authority.
• Best Practice: We commit to developing and promoting best practice standards throughout our work to assist you with your divorce.
• Our Approach: We provide clear advice and jargon-free reports to help you achieve the best possible outcomes. We will talk to you about the impact of your changing circumstances and other sensitive issues with empathy and professionalism.

How Can We Help?

• Financial Planning: Through understanding your circumstances and objectives, we will work with you to determine how your divorce impacts your goals in life and we will build forecasts to ensure that you remain on course to achieve these goals. 
• Investment Management: Choosing investments that meet your financial goals is no simple process. At Aqua, we try to make it easy through prudent planning focused on your investment aims. We have systems, experience and expertise to guide you through the maze of opportunities. We provide expert portfolio management to grow your asset base and give you financial peace of mind.
• Trusts: We can help you to set up a trust to ensure that you pass on your legacy to your beneficiaries in the most tax efficient way. We will ensure we meet your needs with regards to access to funds and investment preferences.
• Property: We can assist you to make decisions regarding splitting your property, obtaining a new mortgage or releasing equity.
• Protection: Divorce can be an important time to review your protection needs. We can help you to set up a life assurance policy, critical illness cover or income protection.
• Wills and Lasting Powers of Attorney. You should review and update your Will when going through a divorce to ensure it meets your future objectives. It is important to also set up a Lasting Power of Attorney for both health and finance, which we can discuss with you.

We will provide ongoing support after the divorce to help you meet your expenditure needs and financial objectives going forward.

We also adhere to the Financial Vulnerability Charter, created by the Financial Vulnerability Taskforce. This promotes greater understanding, encourages appropriate behaviours and establishes good practice in respect of consumer vulnerability.

The Financial Conduct Authority does not regulate Inheritance Tax Planning and some forms of Mortgages.